Grand Rivers Community Bank

Overview / Commentary
260 S Main St
Grand Chain, IL 62941

Grand Rivers Community Bank is headquartered in Grand Chain and is the 392nd largest bank in the state of Illinois. It is also the 4,940th largest bank in the nation. It was established in 1902 and as of December of 2020, it had grown to 11 employees at 3 locations. Grand Rivers Community Bank has a F health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Grand Rivers Community Bank has a low asset base, and a negative return on equity.

Health Grade Components

FDIC Certificate #10816
Year Established1902
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-4.64%
Return on Equity - YTD-99.44%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$21.7MM$29.6MM
LoansQ4 2020vs Q4 2019$14.0MM$18.0MM
DepositsQ4 2020vs Q4 2019$19.9MM$26.5MM
Equity CapitalQ4 2020vs Q4 2019$701.00K$1.9MM
Loan Loss AllowanceQ4 2020vs Q4 2019$407.00K$512.00K
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$701.00K$742.00K
Real Estate OwnedQ4 2020vs Q4 2019$705.00K$739.00K

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Grand Rivers Community Bank Locations
Grand Rivers Community Bank260 S Main StGrand Chain, IL 62941
Karnak Branch406 Washington StreetKarnak, IL 62956
Shawneeton Branch105 E. Shawnee AvenueShawneetown, IL 62984

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